Bank of Baroda Financial Performance FY23
Major Highlights
बैंक ऑफ़ बड़ौदा
Bank of Baroda
विजया
VIJAYA
सेना
DENA
Business Details (INR crore)
Key Performance Drivers
Mar 31, 2022
Mar 31, 2023
YoY (%)
Net Interest Margin (%)
Net Profit (INR crore)
45 bps YoY
Domestic Deposits
9,27,011
10,47,375
13.0
28 bps YoY
International Deposits
Δ
1,18,928
1,56,313
31.4
3.53
3.31
Global Deposits
10,45,939
12,03,688
15.1
3.08
3.03
Retail Advances
1,40,399
1,78,037
26.8
Domestic Gross Advances
6,84,153
7,95,560
16.3
International Advances
1,33,968
1,73,988
29.9
Global Advances
8,18,120
9,69,548
18.5
Total Business
18,64,059
21,73,236
16.6
168.4% YoY
Δ
7,272
4,775
1,779
*organic growth, excluding pool purchase
94% YoY
A
14,110
Q4FY22 Q4FY23
FY22
FY23
Financial Performance (INR crore)
FY22
FY23
YoY (%)
Return on Assets
Net Interest Income
32,622
41,355
26.8
77 bps YoY
Fee based Income
5,486
5,997
9.3
Operating Profit
22,389
26,864
20.0
1.34
43 bps YoY
Profit before Tax
9,387
19,727
1.03
Net Profit
7,272
14,110
94.0
GNPA Ratio (%)
6.61
3.79
(282 bps)
0.57
0.60
Q4FY22 Q4FY23
FY22
FY23
Return on Equity
1321 bps YoY
648 bps YoY
24.82
Δ
18.34
11.61
11.86
NNPA Ratio (%)
1.72
0.89
(83 bps)
Capital Adequacy Ratio
15.68%
16.24%
(Standalone) (%)
56 bps
Q4FY22 Q4FY23 FY22
FY23
Q4FY22 Q4FY23
FY22
FY23
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